WASHINGTON, DC (WUSA) -- College students headed off to college will get their first taste of financial independence.

But, a recent survey found nearly a quarter of parents help to pay at least a portion of their child's credit card bill.

The study also says80 percent of students use a debit card for everyday expenses.

Experts say parents should chose one with low fees and skip the overdraft protection.

"If the student has an overdraft, yes they're going to pay up to $35, but they'll learn a valuable lesson," says Consumer Reports Tobie Stanger.

Parents can put money in the student's account and track their spending.

But the advantage to giving them a credit card is that it helps them establish a credit history.

And, make sure that they are careful not to make money mistakes that could take years to correct.

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